Every pay question, answered. From your full take-home pay to what a pay rise is really worth after tax — every NetPay UK calculator is free, uses the official 2026/27 rates for England, Wales & Northern Ireland, and needs no sign-up.
Our main calculator: enter your salary and see exactly what lands in your bank account after income tax, National Insurance, pension and student loan.
See how much income tax you pay, band by band, plus your effective and marginal tax rates.
Work out your employee National Insurance at the 8% main rate and the 2% upper rate.
Find your yearly, monthly and weekly repayments for Plans 1, 2, 4 and 5 and the Postgraduate Loan.
Discover what a salary-sacrifice pension really costs your take-home pay — it is less than you think.
Convert pay between annual, monthly, weekly, daily and hourly, in both directions.
Been offered a raise? See how much of it you actually keep after tax and National Insurance.
New to UK pay? Start with our guides to income tax bands, National Insurance and student loan repayments.